Commercial State Bank in Cedar Bluffs, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Commercial State Bank - Overview

  • General
  • FDIC Certificate #: 16188
    Status: Active
    Federal Reserve ID: 415855
    Date Established: July 24, 1935
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 10392
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: September 08, 1944
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 127 W Main St, Cedar Bluffs, NE 68015
    County: Saunders
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $24.3 mil
    Equity capital: $1.5 mil
    Deposits held in domestic offices: $21.0 mil
    Return on assets (ROA): 0.40% ($0.1 mil)
    Quarterly return on assets: 1.09% ($0.3 mil)
    Return on Equity (ROE): 5.47% ($0.1 mil)
    Quarterly return on equity: 15.29% ($0.3 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.46% ($111.8 mil)
    Quarterly Pretax return on assets: 1.01% ($245.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 4Total employees (full-time equivalent)
  • $24,296Total assets
  • $5,016Cash and due from depository institutions
  • $4,101Interest-bearing balances
  • $4,826Securities
  • $3,825Federal funds sold & reverse repurchase agreements
  • $10,212Net loans & leases
  • $78Loan loss allowance
  • $0Trading account assets
  • $48Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $24,296Life insurance assets
  • $369All other assets
  • $22,752Total liabilities and capital
  • $21,032Total liabilities
  • $11,242Total deposits
  • $21,032Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,596Trading liabilities
  • $0Other borrowed funds
  • $124Subordinated debt
  • $1,544All other liabilities
  • $1,544Total equity capital
  • $1,544Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,200Surplus
  • $244Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $119Income earned, not collected on loans
  • $0Earning assets
  • $224Long-term assets (5+ years)
  • $22,964Average Assets, year-to-date
  • $2,950Average Assets, quarterly
  • $20,008Volatile liabilities
  • $21,307Insider loans
  • $13,430FHLB advances
  • $20,780Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,494Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,765Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $592Total interest income
  • $138Total interest expense
  • $454Net interest income
  • $15Provision for loan and lease losses
  • $127Total noninterest income
  • $0Fiduciary activities
  • $61Service charges on deposit accounts
  • $0Trading account gains & fees
  • $66Additional noninterest income
  • $474Total noninterest expense
  • $312Salaries and employee benefits
  • $33Premises and equipment expense
  • $129Additional noninterest expense
  • $92Pre-tax net operating income
  • $0Securities gains (losses)
  • $12Applicable income taxes
  • $80Income before extraordinary items
  • $0Extraordinary gains - net
  • $80Net income attributable to bank
  • $0Net charge-offs
  • $80Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $3Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.13%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 2.40%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.46%Pretax return on assets
  • 5.47%Return on equity (ROE)
  • 5.27%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 214.29%Credit loss provision to net charge-offs
  • 15.29%Efficiency ratio
  • 81,583Assets per employee
  • 6.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.75%Loss allowance to loans
  • 0.76%Loss allowance to noncurrent loans
  • 65.55%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 48.55%Net loans and leases to core deposits
  • 49.33%Equity capital to assets
  • 6.35%Core capital (leverage) ratio
  • 7.19%Tier 1 risk-based capital ratio
  • 11.12%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $20,008Average earning assets
  • $1,461Average equity
  • $18,907Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010392Commercial State Bank127 W Main St, Cedar Bluffs, NE 68015July 24, 1935Full Service Brick and Mortar

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